Mortgage data and tools

MortgageExplained publishes plain, sourced data and a bank of free, no-email calculators: the Lender Criteria Index and the 2026 fixed-rate cliff tracker, plus tools for overpayment, remortgage saving, payment shock, loan-to-value, interest-only, rental yield, early repayment charges and porting. Every calculator runs in your browser and stores nothing, the figures cite primary UK sources, and indicative items are clearly labelled.

Lender Criteria Index How UK lenders treat complex income and specialist cases, by maximum LTV. UK mortgage rate tracker The base rate, why fixed rates follow swap rates, and where to find live levels. The 2026 fixed-rate cliff Around 1.8 million fixed deals end in 2026: the verified figures and what they mean. Payment-shock calculator See how much your monthly payment changes when your fixed rate ends. Free, no email. Overpayment calculator The interest saved and years cut off by overpaying your mortgage. Free, no email. Remortgage calculator Compare your current rate against a new deal for the monthly and lifetime saving. Loan-to-value (LTV) calculator Your LTV from price and deposit, and the rate band it falls in. Free, no email. Interest-only calculator Monthly interest cost, balance owed at the end, vs repayment. Free, no email. Rental yield calculator Gross yield, net yield and cash-on-cash return on a buy-to-let. Free, no email. ERC calculator The early repayment charge for leaving your deal early, with a typical taper. Porting calculator Blend a ported deal with a top-up to see the real combined cost. Free, no email. Switch or stay tool Compare staying on a product transfer against remortgaging. Free, no email. House prices and affordability The official UK House Price Index and the price-to-earnings ratio, by region. Arrears and repossessions How to read the UK Finance and Ministry of Justice data, and where to get help. How many UK mortgage brokers? There is no official count: the honest methodology and why any number is indicative. The Bank of Mum and Dad How family money helps buyers, the ways to give it, and what the research shows. Mortgage glossary Plain-English definitions: SA302, SPV, ICR, ERC, LTV, AIP, product transfer and more.

Adam Parker

Founder, MortgageExplained

Adam spent nearly a decade as a mortgage adviser at Just Mortgages, with further experience in commercial finance. He is CeMAP and CF qualified. He built MortgageExplained to do one thing well: explain mortgages in plain English, then introduce you to a regulated broker when you are ready. Every page is written and reviewed by Adam.

Last reviewed: 14 July 2026